1 lb. hamburger
1 pkg. taco mix
1 lg. can refried beans
2 c. grated mozzarella
1-2 c. grated cheddar cheese
1 jar mild taco sauce
Nachos or Doritos
Sour cream, optional
Green onions, optional
Olives, optional

Line a 9 x 13 inch or 2 smaller pans with the refried beans going up on the sides. Brown the hamburger; add the taco mix and 3/4 cup water. Simmer 10 minutes. Layer the hamburger mixture over the beans. Layer cheeses next. Top with taco sauce. Bake at 325 degrees for 30 minutes.

Optional: Add sour cream, olives and onions after removed from oven. Serve with nachos.